steve, is his fix really about trying to solve these problems to get these canceled policies restored, or is it more about shifting blame to those insurance companies? >> it's entirely about shifting blame to those insurance companies. one of the things that was most interesting about his comments yesterday is how substance free, how policy free they actually were. and at one point in the course of his statement the president and what has to be considered a gaffe announced that the key point, his words, the key point here is that he not be held responsible but the blame be put on the insurance company. he said it at his own press conference. that's what it was about. >> you know, chuck, the insurance companies and the state regulators, you have to feel for them to some degree because they have spent years, more than three years now, trying to build a structure to comply with the new coverage standards mandated by obama care, written into the law and then furthered in regulations from hhs secretary kathleen sebelius. now they're being asked to turn on the dime and to change all of that